Rhode Island Car Insurance

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Key takeaways...
  • Rhode Island is one of the more expensive states for car insurance averaging in the top 30 percent
  • Because of these liability laws, drivers should always look for coverage well above and beyond Rhode Island state minimum requirements
  • Consumers who are denied coverage through the voluntary market may apply to the Rhode Island Automobile Insurance Plan for assignment to a car insurance company for coverage

Rhode Island is one of the more expensive states for car insurance averaging in the top 30 percent, however, drivers do enjoy a very healthy auto insurance market with many opportunities to shop and compare car insurance companies.

Make sure to compare rates with our free quote tool above to make sure you are getting the best rate!

Rhode Island Car Insurance Requirements

Rhode Island laws are similar to almost all other states and has enacted car insurance laws to protect drivers by requiring liability insurance coverage for all vehicles registered in the State.

Rhode Island operates under tort law for motor vehicle accidents and does not have a no-fault car insurance system in place.

This means drivers can be held to litigation for almost any injury or damage resulting from a car accident.

Currently, all vehicles registered in Rhode Island require:

  • $25,000 to cover bodily injury expenses of single person per accident
  • $50,000 to cover bodily injury expenses of all persons per accident
  • $25,000 in property damage insurance coverage

Rhode Island car insurance companies generally make expanded policy limits available for reasonable adjustments to premiums and many drivers have coverage exceeding $100,000 in addition to comprehensive and collision car insurance.

Any driver should also understand all the types of car insurance coverage available especially in states who operate under tort law.

Learn more about Rhode Island car insurance by connecting with Rhode Island car insurance companies today.

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Does Rhode Island have a car insurance program for high-risk drivers?

Yes, it’s called the Rhode Island Automobile Insurance Plan and operates as an “assigned risk pool” rather than a state car insurance plan.

Consumers who are denied coverage through the voluntary market may apply to the Rhode Island Automobile Insurance Plan for assignment to a car insurance company for coverage.

While the premiums are certainly higher this program does allow almost all drivers access to obtainable coverage and once your driving record improves its possible to switch out to a traditional policy with more affordable rates.

Rhode Island Car Insurance Quotes

Ready to speak with a Rhode Island car insurance company and understand your options?

Car insurance quotes comparison online is very popular in Rhode Island and a few minutes comparing providers online could possibly save you a lot of money in premiums.

At the very least you will learn about car insurance coverage and be a little more prepared if an accident ever occurs.

Find Rhode Island car insurance quotes today!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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